DCH Credit Union

DCH Credit Union is headquartered in Tuscaloosa and is the 49^th largest credit union in the state of Alabama. It is also the 2,813^st largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 15 employees and 5,998 members. DCH Credit Union has a 4-star health rating.

DCH Credit Union Routing Number: 262277215

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Data for Q4 2011

Institution Statistics DCH NCUA # 63940 BankRate Report View Year Chartered 1955 Employees 15 Primary Regulator Assets and Liabilities Assets $32.45 million Loans $16.81 million Deposits $28.90 million Equity Capital $3.48 million Loan Loss Allowance $277,000 Unbacked Noncurrent Loans $503,000 Historic Data - December 2010 Assets $32.82 million Equity Capital $3.21 million Loan Loss Allowance $299,000 Unbacked Noncurrent Loans $494,000 Profit Margin - Quarterly Net Interest Margin 6.95% Return on Assets 0.55% Return on Equity 5.12% Interest Income $1.66 million Non-Interest Income $882,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 DCH Credit Union had $503,000 in non-current loans and owned real-estate with $3.76 million in equity and loan loss allowances on hand to cover it. This gives DCH Credit Union a Texas Ratio of 13.39% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for DCH Credit Union held steady from 14.10% as of December 31, 2010 to 13.39% as of December 31, 2011, resulting in a positive change of 5.01%.This indicates that the balance sheet and financial strength for DCH Credit Union has held steady in recent periods. Deposit Growth In the past year, DCH Credit Union has decreased its total deposits by $-639,000, resulting in -2.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth DCH Credit Union has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. DCH Credit Union has $32.45 million in assets with $3.76 million in equity, resulting in a capitalization level of 11.57%, which is above average.

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